Estate Planning

Over your life, you have probably accumulated assets such as a home, a car, bank accounts, a retirement plan and personal belongings. What will happen to your assets if you become disabled or pass away? Who will make your financial and medical decisions if you become incapacitated? Who will take care of your minor children? An estate plan allows you to:

• Appoint someone to make financial and medical decisions for you if you are disabled or pass away
• Appoint a person to raise your children
• Choose what and to whom your belongings will go after your death. Without an estate plan your property could be tied up in probate court and distributed according to State intestacy laws.
• Reduce or avoid estate taxes, which can be as high as 50 percent

To lessen the overall risk for your family, friends and personal assets, speak with one of our representatives about the implications of improper or incomplete estate planning to your portfolio and beneficiaries as well as for a referral to an Estate Planning Attorney should you choose to explore your legal options.

Ask about:

• Wills versus trusts
• Avoiding probate
• Reducing estate taxes
• Power of Attorney for disability
• Living wills
• Estate equalization
• Proper beneficiary designations
• Avoiding tax traps

Call or e-mail your FNG representative for more information: